North Avenue Capital originates, underwrites, funds, and services qualifying commercial loans between $1 million and $25 million utilizing the USDA Business & Industry (B&I), Renewable Energy for America (REAP), and Community Facilities programs.

Click the Contact link above and schedule a call with NAC to confirm the eligibility of your project.

You may also scroll down for additional details about the USDA Rural Development loan programs.


The USDA Business & Industry Program (B&I) enhances the existing private credit structure by guaranteeing a portion of loans being offered to rural businesses, allowing private lenders to extend more credit than they may typically be able to without the USDA’s participation.

This program is intended to improve the economic health of rural communities by increasing access to business capital through loan guarantees that enable commercial lenders to provide more affordable financing for businesses in eligible rural areas.  In addition to providing capital to eligible businesses, the program hopes to create jobs and increase the tax-base all the while maintaining a focus on stewarding the environment.

Click here to review the details of this program further.

USDA Renewable Energy for America

The USDA Renewable Energy for America Program (REAP) provides guaranteed loan financing and grant funding to agricultural producers and rural small businesses to purchase or install renewable energy systems or make energy efficiency improvements.  Funds can be used to purchase, install and/or construct energy-efficiency systems or to make energy-efficient improvements.

This program helps increase American energy independence by increasing the private sector supply of renewable energy and decreasing the demand for energy through energy efficiency improvements. Over time, these investments can also help lower energy costs for small businesses and agricultural producers.

Click here to review the details of this program further.

USDA Community Facility

The USDA Community Facility Program provides loan guarantees to eligible private lenders to help build essential community facilities in rural areas. The USDA defines an “essential community facility” as a facility that provides an essential service to the local community for the orderly development of the community in a primarily rural area, and does not include private, commercial or business undertakings.

Eligible projects might include healthcare, childcare, educational, and/or public facilities, along with community gardens, public safety services and other non-commercial operations.

Click here to review the details of this program further.